Checking Services

Helena National Bank offers several checking account options to fit every need. All deposits are fully insured by the FDIC.

Personal Checking

  • Unlimited check writing
  • Service charge based on your account balance

$600 & up - no charge
$400 - $599 - $6
$200 - $399 - $7
-0- - $199 - $8

Golden Years

  • Must be 60 years of age or older
  • No service charge
  • No charge on cashiers checks
  • No charge on money orders
  • No charge on wallet type personalized checks

Masters Checking

  • No charge on wallet type personalized checks
  • No charge on cashiers checks - limit 2 per visit
  • No charge on money orders - limit 2 per visit
  • No charge on travelers checks
  • Accidental Insurance

Single Person - $10,000 coverage for $8.00 per month fee.
Family Coverage Option I - $10,000 on male and $10,000 on female for $11.00 per month fee
Family Coverage Option II - $15,000 on male and $15,000 on female and $2,500 on each child for $11.00 per month fee

Student Account

  • No service charge
  • Must be full time student
  • Up to 21 years of age.

Now Account

  • Competitive interest rates - rate changes weekly
  • Open to individuals, sole proprietorships, and non-profit organizations
  • Unlimited check writing
  • $600 minimum deposit
  • $9.00 service charge if balance falls below $600

Super Now Account

  • An initial deposit of no less than $1,000
  • Average balance of no less than $1,000
  • A ceiling equal to NOW acount rate for deposits which do not meet the average balance requirements
  • $9.00 service charge if balance falls below $1,000
  • Rate changes weekly
  • Interest paid monthly
  • Unlimited check writing

Business Checking

  • $3 maintenance charge per account
  • .05 per check paid
  • .10 credit per $100 average balance

All deposit accounts are insured up to $100,000 by the FDIC.